Enova International, Inc. (ENVA) Stock Analysis
Temp Headwind edge
Financial Services · Credit Services
Wait for pullback to $149.32. At $161.67 the A.R:R is 1.4:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $149.32 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Single-region cliff: 98% exposure to United States (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: United States (97.5%).
Enova International is an online consumer and small business lender operating under CashNetUSA, NetCredit, OnDeck and Headway Capital brands, extending $7.8 billion in credit in 2025 to borrowers in 37 U.S. states (consumer) and 49 states (small business), plus Brazil. Revenue... Read more
Wait for pullback to $149.32. At $161.67 the A.R:R is 1.4:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $149.32 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Single-region cliff: 98% exposure to United States (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: United States (97.5%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Growth is cheap relative to earnings, but the chart hasn't confirmed yet (PEG 0.29, quality 7.9/10, growth 8.3/10). Score 6.5/10, moderate confidence.
Passes 6/9 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 62d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and finsvc regional cliff hard block. Suitability: aggressive.
Recent Developments — Enova International, Inc.
Latest news
- Are You Looking for a Top Momentum Pick? Why Enova International (ENVA) is a Great Choice - Yahoo Finance — Yahoo Finance positive
- Enova International (ENVA) Soars 3.8%: Is Further Upside Left in the Stock? - MSN — MSN positive
- Why Enova International (ENVA) is a top growth stock for the long term - MSN — MSN positive
- Why Enova International (ENVA) is a Top Growth Stock for the Long-Term - Yahoo Finance — Yahoo Finance positive
- Is Enova International (ENVA) stock overpriced relative to performance | Q4 2025: Profit Exceeds Views - Turnaround Pick — Xã Châu Thành positive
Generated 2026-05-20T21:06:21Z.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHGeographicUnited States98%10-K Item 1: 'The United States represented 97.5% of our total revenue in 2025 and 98.0% of our total revenue in 2024.'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 floor-breaker·1 ceiling hit
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Wait for pullback to $149.32. At $161.67 the A.R:R is 1.4:1 — below the 1.5:1 minimum for BUY_NOW. Engine's entry $149.32 (Atr Pullback Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risks: Single-region cliff: 98% exposure to United States (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: United States (97.5%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Growth is cheap relative to earnings, but the chart hasn't confirmed yet (PEG 0.29, quality 7.9/10, growth 8.3/10). Target $175.74 (+8.7%), stop $139.07 (−16.3%), Setup A.R:R 1.9:1. Score 6.5/10, moderate confidence.
Take-profit target: $175.74 (+12.3% upside). Target $175.74 (+8.7%), stop $139.07 (−16.3%), Setup A.R:R 1.9:1. Stop-loss: $139.07.
Single-region cliff: 98% exposure to United States (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: United States (97.5%); Thin upside margin: 8.7%.
Enova International, Inc. trades at a P/E of 13.1 (forward 8.2). TrendMatrix value score: 8.5/10. Verdict: Buy (Wait for Entry).
13 analysts cover ENVA with a consensus score of 4.3/5. Average price target: $202.
What does Enova International, Inc. do?Enova International is an online consumer and small business lender operating under CashNetUSA, NetCredit, OnDeck and...
Enova International is an online consumer and small business lender operating under CashNetUSA, NetCredit, OnDeck and Headway Capital brands, extending $7.8 billion in credit in 2025 to borrowers in 37 U.S. states (consumer) and 49 states (small business), plus Brazil. Revenue of $3.15 billion in 2025 is 97.5% U.S.-derived, generated through interest and fee income on high-yield installment loans and lines of credit.